Alongside the USD wallet, an account can hold a crypto wallet — a USDC balance on-chain (currently BASE-USDC, USDC on the Base network). Loading it works like a bank pull, but the rail is on-chain: get the deposit address, have the player send USDC to it, then watch for the credit.
POST /transfers is the same single endpoint used for fiat transfers — you get crypto behavior by setting currency to a crypto code (e.g. BASE-USDC) instead of USD. Two shapes are supported:
To hold a crypto wallet or receive fiat through a virtual account, a player completes a one-time crypto onboarding — an extension of the create & verify step. Two things must be true before crypto features activate:
A virtual account is a fiat on-ramp for a player's crypto wallet: a set of real US bank coordinates (routing + account number) that the player can fund by ACH, wire, or FedNow. Money deposited is converted to USDC and credited to the player's crypto wallet — no card, no on-chain transfer.